Check the official Bank of America status page first

Bank of America publishes a real-time status page at bankofamerica.com/security that shows whether their website, mobile app, and online banking services are working. This page updates when they know about outages and tells you which services are affected — sometimes their website works but the mobile app doesn't, or vice versa.

The status page also shows scheduled maintenance windows, usually announced 24 to 48 hours ahead. If you see a maintenance notice, the service will be down for a specific time window, not indefinitely. Check back after that window closes.

If the status page says everything is operational but you still cannot log in, the problem is likely on your end — your internet connection, your device, or your account — not Bank of America's servers.

Key Takeaways

  • Bank of America's official status page at bankofamerica.com/security shows real-time information about outages and maintenance.
  • If the status page says services are up but you cannot access your account, the problem is usually your internet connection, browser cache, or device, not the bank's system.
  • Clearing your browser cache and cookies, or switching to a different browser or device, often fixes access problems that look like outages.
  • If you cannot reach the status page itself, use your phone's cellular data instead of Wi-Fi to check whether the problem is your internet or the bank's system.
  • Bank of America's customer service line at 1-800-432-1000 can confirm outages and tell you when service will be restored.

What to do if you cannot access your account

Before you assume the site is down, try these steps in order. Most access problems are not outages.

Clear your browser cache and cookies. Old cached data can prevent you from logging in even when the site is working. In Chrome, press Ctrl+Shift+Delete (or Cmd+Shift+Delete on Mac), select "All time" for the date range, check "Cookies and other site data" and "Cached images and files", then click Delete. Reload bankofamerica.com and try again.

Try a different browser or device. If you normally use Chrome, open Safari or Firefox instead. If you normally use the app, try the website on a computer. If the problem follows you to a different browser or device, it is likely your account or your internet. If it goes away, the problem was your original browser.

Check your internet connection. Open a different website — google.com or cnn.com — to confirm you have internet. If other sites load but Bank of America does not, use your phone's cellular data (turn off Wi-Fi) and try again. If it works on cellular but not Wi-Fi, your Wi-Fi router or internet provider is the problem, not the bank.

Disable browser extensions. Ad blockers, password managers, and VPN extensions can block Bank of America's login page. Temporarily turn off all extensions, reload the page, and try logging in. If that works, add them back one at a time to find which one is causing the problem.

How to know if it is a real outage

A real outage affects many customers at once. You will see complaints on social media, and Bank of America's status page will show a service down. If the status page says everything is operational and you see no social media complaints, the problem is almost certainly your device, your browser, or your internet — not the bank's system.

Check Twitter or Reddit by searching "Bank of America down" or "BofA outage". If dozens of people posted in the last few minutes saying they cannot log in, it is a real outage. If you see old posts from days ago but nothing recent, the problem is not widespread.

You can also check third-party outage tracking sites like Downdetector.com, which aggregates user reports. A spike in reports in the last 30 minutes suggests a real outage. A flat line or old reports suggest the problem is isolated to you.

What happens during an outage

During a Bank of America outage, you cannot log into online banking or use the mobile app, but your account still exists and your money is still there. The outage does not delete accounts or lose deposits. Once service is restored, you will be able to log in normally.

If you need to access your account during an outage, you can call Bank of America's customer service at 1-800-432-1000. They can look up your account, confirm your balance, and help with urgent transactions. You can also visit a physical branch if you have one nearby.

Outages usually last between 30 minutes and a few hours. Major outages that last longer than a few hours are rare. Bank of America's status page will tell you when service is expected to be restored.

Scheduled maintenance windows

Bank of America schedules maintenance on their systems regularly, usually on weekends or late at night. During these windows, online banking and the mobile app will be unavailable, but this is planned and temporary.

The bank announces maintenance windows on their status page 24 to 48 hours in advance. If you see a maintenance notice, note the date and time, and plan to use your account before or after that window. You can still call customer service or visit a branch during maintenance.

Maintenance windows typically last 2 to 4 hours. If you see a maintenance notice that says service will be down for longer, read the details carefully — sometimes the bank extends the window if they encounter problems.

When to contact Bank of America directly

Call Bank of America's customer service at 1-800-432-1000 if any of these explore: you cannot log in and the status page says services are up, you see a maintenance notice but need urgent access to your account, you see an outage notice but need to confirm how long it will last, or you need to make a time-sensitive transaction and cannot wait for the service to come back online.

Have your account number or the phone number associated with your account ready. Customer service can confirm whether an outage is happening, tell you when it will be resolved, and help with urgent needs like transfers or payments.

If you are locked out of your account because you forgot your password, use the "Forgot password?" link on the login page instead of calling. The bank's automated system can reset your password without waiting for a representative.

Frequently Asked Questions

Will my money be safe if the website is down?

Yes. An outage only affects your ability to see your account online or through the app. Your money stays in the bank, and the outage does not delete accounts or lose deposits. Once the service comes back online, you will see your account exactly as it was.

Can I still use my debit card if the website is down?

Yes. Outages affect online banking and the mobile app, but they do not affect debit cards, ATMs, or in-person banking. You can still withdraw cash, make purchases, and visit a branch.

What if I need to pay a bill and the website is down?

Call Bank of America at 1-800-432-1000 and a representative can process the payment over the phone. If the outage is expected to last only a few hours, you can also wait for the service to come back online, unless your bill is due within hours.

How do I know if the problem is my internet or Bank of America?

Open a different website like Google or CNN. If it loads, your internet works and the problem is Bank of America's site. If it does not load, your internet is down. You can also switch to your phone's cellular data and try Bank of America again — if it works on cellular but not Wi-Fi, your Wi-Fi is the problem.

Is it safe to log in during an outage?

If the status page says the service is down, do not try to log in repeatedly. Wait for the service to come back online. Repeated login attempts during an outage can sometimes trigger your account's fraud protection and lock you out temporarily.